Thankyou I'll take a break and try again later.

Hadituptohere

No there 3 personal loans, I've just read citizenB's thread and seen the statintsheet but I've seen that the CI sheet can be used for PPI redress that the fos don't award, struggling to get my head around it all, thankyou for your input

Hadituptohere

I Have using the template SB letter ��, looking at reclaiming the PPI now, I have the CI sheet already.

I know I've to input the date of payment and there interest rate. Do I put the end date as today's date? I've just tried it with the first PPI claim from 1999 and their interest rate was 112% pa, the amount of PPI was £138.00 payable over 12months and it came out with a 5 figure sum.. Is that right??

Also what do you do when you have 2 PPI accounts that ran almost side by side but we're both payed off with another loan that contained the larger PPI...Any help appreciated please

Hadituptohere

This debt has now been sold on to HPH2 LTD.. And passed to Robinson way,

they've written requesting contact and payment.

I've sent the SB template letter back to them,

they called my house phone the other day,

I was going to refuse to go through the security questions but though no I'd see what they have to say.

They mentioned the so called account and asked how I'd be making a payment ( I did giggle )

I asked when the last payment was made on this so called account

the poor bloke said he didn't have that information,

I told him where to get off chasing someone for money's they didn't have information on

and said to come back to me when he did and that there was a letter in the post responding to their written request.

He then quickly said that he did have the info regarding the last payment and that it was Nov 2009,

so I asked him todo his maths and asked again why he had rang..

I then told him again to get in touch once he's done his homework and that all future correspondence in writing please.

This debt is statute barred now

looking through the SAR from Welcome

I've had three accounts with PPI 2 that ran together 6 months apart and the 3rd settled the balance on 2,

I paid £1300.00 at 94.00 per month PPI on the 3rd

but then defaulted and this is the SB account.

. Time to reclaim I think

Hadituptohere

And I do appreciate your comments and help Martin

Hadituptohere

Yes I agree, if there was an alternative way but I think it would be a no from the lenders and if there was a yes it would be subprime again, just wondered what anyone else thinks about the legalities of the transfer between GE and Kensington and if it is challengable

Hadituptohere

I agree, what if the sale of the mortgages were found unlawful by either creating an unfair relationship or some breach of contract?

Hadituptohere

I appreciate what you are saying totally, but if the sale between GE and Kensington isn't legally correct?? there are hundreds of people out there in the same boat.. And if I can't remortgage?? And I don't see how Kensington get off telling me to go to my solicitor and go doe the route of the TR1 if what they have done is wrong in the transfer between the two companies, again really do understand that your trying to find the easiest resolution

Hadituptohere

But why should I have to do that if GE were going ahead with the transfer?

I haven't tried due to silly defaults added by o2 and others, Kensington told me the only way to remove my ex wife was to go to a solicitor and go down the TR1 route through court

Hadituotohere

Hi Martin, no my credit file is pretty shot at.. But if Kensington are saying they don't do TOE but yet GE has gone through the procedure to carry out the TOE and in the transfer between the two it states that there are no change to the terms and conditions of the mortgage (and Kensington have sent me a list of their fees applicable to the mortgage that shows TOE fee of 100.00) through the transfer, it surely cannot be right somewhere

Hadituptohere

Hi citizenB yes theve sent a letter (DSAR) saying there only legally obliged to send Details of personal data being processed and A description of personal data

Hadituptohere

Anyone please? any help about GE's response to my SAR would be great.

Hadituptohere

Is it right that GE don't have to respond fully to a SAR please?

I'm looking at getting disclosure of hidden commissions paid now I've proof that they were willing to go ahead with the TOE.

Hadituptohere

Thank you citizenB for looking in and flagging for others, much appreciated

Hadituptohere

Thankyou dx for your response.

If GE was happy to go through the IE and send the forms out for the TOE but yet Kensington have said there is no option for TOE to take place surely the terms and conditions have changed??

I also sent a SAR to GE and their response was that they are only have to respond with details of personal data being processed and a description of personal data, they sent a DSAR back is this correct please?

Hadituptohere

Any more news on this please, really interested in this as I took out my mortgage in 2006 with GE through Igroup and payed brokers fees added to the lenth of the mortgage.

Hadituptohere

I have a 10 year old mortgage that was sold by Compas Finance Broker (which I paid extortionate fees added to the mortgage) that was with GE money and has now been sold to Kensington.

I went through a divorce just over 5 years ago and the mortgage was in joint names, in March last year I rang GE and asked for a transfer of equity as I now have my fiance living with me and things move on, during the phone call I went through the income and expenditure and GE cleared me for the T.O.E and sent out the forms.

Due to delay of completing the forms due to family health problems the mortgage has been sold on to Kensington, to persue this again I rang Kensington but was told that they didnt do T.O.E's, I had a little rant and dug out the introduction pack id received from them.

In the pack it states under terms and conditions that 'there are no changes to your mortgage conditions arising from the transfer' and they also included a Tariff of Fees on kensington headed paper which clearly state 'Change in Circumstances - Transfer of equity £100.00 charge'

I put in writting my request for a T.O.E and sent it to kensington to get their official stance. A week later I received a letter acknowledging my complaint ???? they sent out a leaflet that outlined their Complaints procedure that clearly stated that they only accept complaints in writing ???? no complaint had been sent, only a request for the T.O.E

I sent back a letter pointing out that I hadnt sent a letter of complaint only a request for the |T.O.E, I received a response 'that they can confirm that the option to remove a borrower from the mortgage account is not available'.

Now the problem is that GE went through the Income and expenditure and sent me the forms for the transfer but yet kensington state there there is no option on the mortgage to transfer.. Despite them sending me the list of fees that include transfer and no changes to the origional contract with GE.

I have SAR'd GE and have proof that they went through the I&E and sent me the forms and the terms and conditions of the mortgage are very vague and brief.

can this be considered a breach of contract??

Also I state that it was 10 years since the sale of the mortgage but can the broker fees been reclaimed so far back that Compas finance broker recommended we take out this mortgage and not recommending a particular mortgage for your consideration (long shot I know regarding the limitation act)

Hadituptohere

Would love to see what you receive from GE for your SAR.. Ive just had a response to mine and theve sent a DSAR reply stating they are only required by law to send Details of personal data being processed and a Description of personal data, very poor response only about 30 pages for a mortgage thats been running for 10 years and now been sold on to Kensington.

Hadituptohere

Exactly.. Funny I got this letter without actually sending any letter rubbishing their statement of account and requesting removal of default markers there processing, I sent my letter on the 9th and this letter was dated the 5th received on the 10th

Hadituptohere

As Promised.... Not uploaded anything for a long time so hope this works

account zero.pdf

Your right dx it has been a while since my dealings with Cabot, and sent the wrong letter out. Despite that as you say it's a result until the next dca tries it on with this one.. I will look into scanning and posting the letter later today.

Hadituptohere

Hi all

I sent a letter to Lowell yesterday by recorded delivery telling them they have failed to fullfil my request of my Subject Access Request and that what they have sent out is laughable, requesting no further contact or id take it as harassment also for any default Markers there registering on my credit file to be removed.

Today I receive a letter from Lowell dated the 5th Feb saying they purchased the debt from Vanquis in good faith but were not aware of any outstanding or previous disputes, that the best way to resolve the matter is to write off the outstanding balance and close the account, you will no longer receive any further correspondence regarding this matter and that any Default registered with the Credit Reference Agencies will be removed but this may take upto 4-6 weeks...

LOL i sent my letter yesterday and get this today... Classic lowells

Hadituptohere

I will do, but the paperwork that Lowell have sent isn't my account, it has a different card number but my name at the side and bears the vanquis logo as if it's come from vanquis ?

Hadituptohere

Hi and thanks for the replies yet again,

Ive just gone through the two separate account statements,

One was from Vanquis that I SAR'd and got Back in October 2015 there charge off was £697.00.

This shows the use of the card starting in 2012.

The reply to that SAR only contained the blank CD and the statement account.

The reply to the SAR from Lowell is just the account statement and a compliment slip hand written,

this shows the use of the card dating back to May 2010 and the last transaction/interest charge June 2012

a charge off amount of £574.00 dated June 2015

but yet the handwritten compliment slip states a balance of £697.00????

Looking at the transaction history of the Lowell statement

it clearly isnt mine as theres payments to Norwich Council,

cash taken from Norwich barclays CP,

and Maidenhead petrol stations

and ive never been to maidenhead

or had to pay Norwich Council,

bit of a bummer as the CIsheet calculates the charges on there to over £1600.00.

Now Lowells have obviously messed up here..

and they say they have the legal right to continue to collect this active account

.. lol

Hadituptohere